Universal Banking Associate

HomeTrust Bank•Greenville, SC

About The Position

The Universal Banking Associate provides elite customer service by efficiently managing customer interactions and offering solutions based on customer needs. The role handles transaction processing, new account opening, and account maintenance, and develops new and existing relationships through in-person interactions and phone conversations. The associate serves customers at both the teller line and a lobby workstation, providing a central point of contact for their financial needs. The role processes deposits, withdrawals, checks, loan payments, wire transfers, and night depository activity; safeguards and balances cash and negotiable items; and serves as vault custodian. The associate also opens and maintains consumer and business accounts, serves as an IRA specialist, and promotes or refers retail, business, lending, mortgage, investment, and treasury management products and services. The position supports business center development, sales and service goals, operational adherence, and audits while maintaining confidentiality and complying with corporate policies and applicable banking laws and regulations. The position operates in a professional office environment and routinely uses standard office equipment. Physical activities include reaching, shifting, lifting up to 25 pounds, finger dexterity, grasping, feeling, repetitive motions, talking, and hearing. Close and distance vision and the ability to adjust focus are required. The employee may need to move around the office to attend meetings and access files, machinery, or other job-related tools.

Requirements

High school diploma or equivalent.
At least 5 years of public contact or sales experience.
Experience in an SSA position or equivalent role at another financial institution.
Above-average PC and technology skills, including ability to use applicable software and branch automation systems.
Familiarity with federal and state banking regulations related to lending and consumer finance, including fair lending laws, the Bank Secrecy Act, and the US Patriot Act.
Thorough knowledge of the teller system and applicable system applications, consumer account opening and maintenance, teller-window transaction processing, and wire transfers.
Knowledge of bank products and services sufficient to identify and meet customer and prospect needs, conduct sales and service discussions in person and by phone, and make quality referrals.
Ability to stay current with changes in policies and procedures related to retail and consumer lending products.
Excellent verbal and written communication skills; ability to resolve customer concerns positively; and strong attention to detail.
Successful completion of in-house or other approved or assigned training programs for the new accounts function within one year of accepting the position.
Demonstrates and fosters HomeTrust's corporate culture, takes initiative, and sets a positive example.
Cooperative, team- and goal-oriented approach to achieving branch and individual sales and service goals within bank standards and guidelines.
Ability and desire to gain credibility as a knowledgeable financial problem solver.
Ability to understand and use bank policies and procedures to support operational efficiency and regulatory compliance.
Ability to work with limited or no direct supervision.
Organized, with an aptitude for basic math.
Ability to think and act independently within bank policy and assigned authority.
Proficiency with Microsoft Office products.
Ability to meet the physical demands of the role, including lifting up to 25 pounds and required vision, dexterity, communication, and movement activities.

Nice To Haves

Associate or bachelor's degree in a relevant field.

Responsibilities

Attract and retain customer relationships by delivering customer service in person and by phone, identifying customer needs, and suggesting appropriate products and services.
Serve as the primary customer contact for transaction processing, new account opening, and account maintenance.
Participate in outbound client calls to support business center development.
Handle teller-line transactions and meet with customers at a lobby workstation for conversations and new account opening.
Receive deposits, verify amounts and endorsements, record deposits, and place holds for uncollected funds.
Cash checks and process withdrawals after verifying signatures and customer balances.
Receive and process mortgage, consumer loan, and other payments, ensuring payments match balances due.
Check night depository bags and record required information on financial institution forms.
Safeguard cash and negotiable items, balance the cash drawer at the end of the shift, compare totals with the computer-generated proof sheet, and report discrepancies to a supervisor.
Serve as vault custodian and maintain control and balance of the vault.
Provide customer services including wire transfers; explain product features and benefits; collect information to open consumer and business accounts; and update or maintain existing accounts.
Open new IRAs and process IRA contributions and distributions.
Participate in sales, service, and product training meetings, team huddles, and other scheduled meetings; assist with business center operations and audits.
Promote retail and business products and services, including checking, savings, money market accounts, certificates of deposit, debit cards, online and mobile banking, consumer loans including HELOCs, and business loans.
Promote and introduce other financial institution products and services and make appropriate referrals, including mortgage, investment services, treasury management, and business banking referrals.
Provide micro-lending services and make appropriate referrals to the Business Center Manager or Business Banker.
Maintain confidentiality and security of sensitive information.
Comply with corporate policies and procedures and federal and state regulations, including BSA, AML, CIP, OFAC, lending, consumer compliance, and fair lending requirements.
Complete mandatory annual compliance training.
Perform other duties and special projects as assigned.